# For RoW # Terms of service **Effective Date:** September 8, 2026 This Global Terms of Service ("Agreement" or "Terms") constitutes a binding legal contract made between you, whether personally or on behalf of an entity ("User"), and IQBID Helios Limited, a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number **252002** and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles (the "Company", "we", "us", or "our"). This Agreement governs your access to and use of our artificial intelligence (AI) model aggregation platform, user interface, website, and associated applications (the "Service"). This version applies exclusively and restrictively to users accessing or utilizing the Service from jurisdictions outside the United States, the European Union, the European Economic Area, and the Russian Federation (collectively, the "Rest of the World" or "RoW" region). By interacting with the service, you agree to these terms: --- ##### 1. Eligibility and age limits By creating a user account, executing a financial transaction, completing the onboarding process, or otherwise accessing or utilizing the Service, you explicitly represent, warrant, and guarantee that you possess full legal capacity under your local statutory laws and are at least eighteen (18) years of age or have fully reached the mandatory age of majority in your specific country of residence. The Service, its interface controls, and underlying computational capacities are strictly intended for adult consumers and professionals. If you are under the age of 18 (or the applicable legal age of majority in your jurisdiction), you are strictly prohibited from creating a user profile, entering into this Agreement, or submitting any personal identifiers, text queries, prompts, or files to the Service. ##### 2. Description of conduit service The Company provides a secure, cloud-based software interface and system that aggregates and routes data inputs to independent third-party artificial intelligence models, neural networks, and large language matrices via secure Application Programming Interfaces (APIs). The Company acts strictly as a technical and administrative conduit and infrastructure routing layer. The Company does not author, curate, fact-check, verify, edit, modify, or guarantee the accuracy, safety, real-world truthfulness, or utility of the synthetic data outputs generated by these underlying models. You explicitly acknowledge that you use all automated machine-generated outputs entirely at your own distinct discretion and independent risk. ##### 3. One-time pre-paid fees and no-refund policy ##### 3.1. Hybrid Billing Architecture and Token Demarcation The Service operates on a pre-paid basis via Subscription Plans and usage-based credits ("IQBID Tokens"). Unused IQBID Tokens permanently roll over, though interface access expires at the end of the term. These tokens are strictly internal, non-crypto technical metrics for measuring data throughput and API costs, possessing no cash value and non-transferable status. ##### 3.2. Secure Processing and PCI DSS Cardholder Data Disclaimer Payment transactions are handled by authorized third-party processors. The Company complies with PCI DSS standards and does not collect or store raw payment card data, such as numbers, expiration dates, or CVV codes, as all credentials are processed directly by our secure financial partners . ##### 3.3. Strict No-Refunds Policy and Chargeback Defense ALL SALES OF SUBSCRIPTION PLANS AND IQBID TOKENS ARE DEFINITIVE, FINAL, AND COMPLETELY NON-REFUNDABLE. IQBID Tokens represent exclusively internal, proprietary, non-crypto technical metrics used solely to calculate data throughput and server bandwidth consumption for artificial intelligence data generations within the Service interface; they possess absolutely zero cash or real-world monetary value, are completely non-transferable, and remain strictly non-redeemable for fiat currency, cryptocurrency, or any other virtual assets. The Company does not issue refunds, chargeback reversals, or partial credits under any circumstances, including user dissatisfaction with AI-generated outputs or temporary downtimes of external third-party API networks. Any fraudulent attempt to execute an unauthorized chargeback dispute through your card-issuing bank will result in the immediate, permanent termination of your account, infrastructure block, and the absolute forfeiture of all remaining active Subscription Plan periods and carry-over IQBID Tokens balances as a liquidated contractual penalty. In order to safeguard platform infrastructure security, Users explicitly agree and are contractually required to submit any billing inquiries, transactional errors, or currency discrepancies directly to **** for internal administrative review before lodging any formal payment disputes, chargeback operations, or reversal claims with their respective banking providers or credit card networks. ##### 4. Content restrictions and infrastructure safety You explicitly agree not to submit text prompts, prompt injections, or upload multi-format digital files designed to execute, generate, facilitate, or distribute any of the following prohibited categories: - **Child Exploitation:** Material that depicts, promotes, or facilitates child sexual abuse material (CSAM) or child sexual exploitation and abuse (CSAE). - **Illicit Weapons and Terrorism:** Actionable instructions, blueprints, or tutorials for fabricating weapons, improvised explosives, chemical agents, or committing acts of terrorism. - **Cyber-Attacks and Malware:** Software code execution strings designed to generate malware, ransomware, spyware, or execute phishing campaigns. - **System Jailbreaking:** Intentional attempts to bypass platform safety boundaries, parameters, or content moderation layers through specialized prompt injection techniques. ##### 4.1. Penalty for Violations Any verified violation of these restrictions will result in immediate, permanent account termination, infrastructure ban, and the **absolute forfeiture and cancellation of all remaining active Subscription Plan access periods and associated IQBID Tokens balances** as a pre-agreed liquidated contractual penalty to cover operational security mitigation and moderation costs. ##### 5. Absolute warranty disclaimer and limitation of liability ##### 5.1. As-Is Provision and Disclaimer of Warranties THE SERVICE, ITS APPLICATION PROGRAMMING INTERFACES, PLATFORM LAYOUTS, AND ALL AUTOMATED MACHINE-GENERATED RESPONSES ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPLICITLY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, STRUCTURAL DATA SECURITY, AND NON-INFRINGEMENT. ARTIFICIAL INTELLIGENCE MODELS CAN GENERATE FALSE, INACCURATE, BIASED, DECEPTIVE, OR COMPLETELY HALLUCINATORY DATA. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, COMPLETELY SECURE, ERROR-FREE, OR ACCURATE. YOU UTILIZE ANY GENERATED OUTPUT AT YOUR OWN DISTINCT DISCRETION AND INDEPENDENT REAL-WORLD RISK. ##### 5.2. Liability Cap and Limitations TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IQBID HELIOS LIMITED, ITS DIRECTORS, EMPLOYEES, AFFILIATES, OR API SUB-PROCESSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, CORPORATE DATA BREACHES, SYSTEM DOWNTIME, OR LOSS OF BUSINESS REPUTATION, ARISING OUT OF OR IN CONNECTION WITH THE AGREEMENT. THE COMPANY’S MAXIMUM AGGREGATE FINANCIAL LIABILITY FOR ALL CLAIMS AND CIVIL DISPUTES ARISING OUT OF OR DIRECTLY RELATED TO THIS AGREEMENT SHALL BE STRICTLY LIMITED TO THE TOTAL MONETARY AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY FOR YOUR SUBSCRIPTION PLAN AND ASSOCIATED IQBID TOKENS DURING THE ONE (1) MONTH IMMEDIATELY PRECEDING THE INITIAL DATE OF THE WRITTEN CLAIM NOTICE. ##### 6. Changes to this Agreement and Effective Date (a) **Effective Version and Current Status:** This Agreement is active and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, purchases of computational packages, or data executions performed on the platform are governed strictly by the specific version of the Agreement active on the precise calendar date of such transaction or interaction. (b) **Right to Modify and Amend:** The Company reserves the absolute unilateral right to update, amend, modify, adjust, or completely replace any part, provision, or clause of this Agreement, including changing the pricing parameters of Subscription Plans or the technical definition and infrastructure throughput of IQBID Tokens, at any time to reflect software changes, security updates, or international regulatory shifts. (c) **User Responsibility to Monitor Updates:** The Company will indicate policy updates exclusively by updating the "Effective Date" stamp at the top of this page. The Company is not obligated to dispatch individual email notifications or dashboard pop-up alerts regarding modifications. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current legal and data framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Agreement. If you do not agree to the updated terms, your sole remedy is to cease utilizing the Service and close your account immediately. #### 7. Governing law and jurisdiction This Agreement shall be governed by the substantive laws of the Republic of Seychelles. Formal legal actions must be brought exclusively in Victoria, Mahé, Republic of Seychelles. #### 8. Reporting abuse and infrastructure violations If you become aware of any prohibited activity, systemic policy breach, or if you believe any synthetic text or output generated via the Service violates third-party rights or infrastructure safety layers, please immediately report such behavior to our dedicated security and compliance operations team at: ****. All notifications will be reviewed promptly by our legal operations department. #### 9. Contact information For administrative or legal inquiries, please contact us at **Company Name:** IQBID Helios Limited **Сompany number:** 252002 **Registered office:** Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles # Privacy policy **Effective Date:** September 8, 2026 IQBID Helios Limited (the "Company", "we", "us", or "our"), a company incorporated and registered under the laws of the Republic of Seychelles with international business company registration number **252002** and having its registered office at Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles, operates as the definitive Data Controller for users accessing the Service outside the territories of the United States and the European Union / European Economic Area (collectively, the "Rest of the World" or "RoW" region). This Global Privacy Policy explains how we collect, process, and protect your personal identifiers, transactional metrics, and technical data when you interact with our artificial intelligence (AI) model aggregation platform, website, user interface, and associated applications (the "Service"). ##### 1. Data collection and routing The Company implements explicit operational frameworks to collect, process, and securely route user metrics, transactional histories, and telemetry metadata. ##### 1.1. Categories of Collected Information We capture and process the following specific categories of data: - **Account Identifiers:** Your digital email address, automated user profile identification number (UID), registration timestamps, and encrypted login access logs. - **Technical Telemetry:** Network Internet Protocol (IP) address, operating system parameters, browser engine fingerprints, and programmatic interaction timestamps. - **Commercial and Balance Telemetry (Non-Crypto Assets Standing):** Comprehensive logs of billing interactions, selected payment currencies, transaction success metrics, and unique financial confirmation numbers synchronized with Payment Processors. This category encompasses detailed records of Subscription Plans and active utilization or balance carry-over of computational credit units (the "IQBID Tokens"). As detailed in the full source documentation, IQBID Tokens are strictly internal, proprietary, non-crypto technical metrics used exclusively for calculating data throughput, API execution costs, and server bandwidth for AI data generation. They explicitly do not constitute virtual currencies, crypto-assets, digital utilities, stablecoins, digital securities, or investment instruments, possessing zero cash value and remaining entirely non-transferable or non-redeemable for fiat or crypto.**.** - **Strict Cardholder Data Disclaimer:** The Company strictly complies with international PCI DSS standards. **We do not collect, capture, view, intercept, or store raw payment card numbers, expiration dates, or card security codes (CVV/CVC).** All financial credentials are input directly into, and processed exclusively by, our authorized secure third-party financial infrastructure partners ("Payment Processors"). ##### 1.2. Infrastructure API Routing To fulfill your computational data generation requests and execute advanced workspace prompts, the system converts your text prompts, structured questions, and uploaded multi-format files ("User Content") into secure API payloads. This payload data is automatically routed via end-to-end encrypted backend channels to international artificial intelligence infrastructure providers and downstream suppliers (such as OpenAI, LLC and Google LLC) acting as corporate Sub-processors located in the United States and other global cloud operational zones. ##### 2. Data use for machine learning and AI training The Company periodically optimizes, fine-tunes, and enhances its proprietary software routing algorithms and operational machine learning layers utilizing anonymized or de-identified technical interaction metrics. ##### 2.1. User Control Panel and Opt-Out Rights You maintain absolute personal authority over your digital content history. If you do not wish your text prompts, structured queries, or multi-format interaction logs ("User Content") to be utilized for technical model improvement or algorithmic tuning, you possess the right to disable this processing activity instantly and at any time. You can manage your preferences directly inside your digital User Dashboard under the "Data Controls" and privacy preferences panel, or by submitting a formal written request via electronic mail to our data operations team at: . ##### 2.2. Protection of Financial and Balance Standing The Company explicitly guarantees that exercising your right to opt out of machine learning data training will not result in any adverse consequences, account limitations, or technological degradation of core system functionalities. Furthermore, opting out will cause absolutely zero alterations or reductions to your active financial standing, including your currently running **Subscription Plan tier limits or your permanent, non-expiring carry-over IQBID Tokens balance**. ##### 3. Data retention and storage timelines The Company applies strict operational retention schedules to ensure that user data is never kept longer than required for its explicit processing frameworks: ##### 3.1. Account Data and Transactional Metrics Your account identifiers, profile credentials, access logs, and financial transaction references are securely retained in our databases for as long as your user account remains active, or for the duration strictly necessary to deliver your permanent computational limits, manage account standings, and satisfy the statutory financial auditing, tax reporting, and anti-fraud accounting requirements mandated by international regulations and our partner **Payment Processors**. **This data retention is directly required to protect and maintain your non-expiring carry-over balance of IQBID Tokens.** ##### 3.2. User Content and Interface History Cache To manage operational cloud engineering overhead, maintain low interface latency, and protect your privacy, all User Content (text prompts, query strings, and uploaded multi-format files) along with machine-generated Outputs are securely cached in an encrypted state on our routing servers. This temporary cache is maintained solely to enable your active interface history view and continuous workspace retrieval. All cached data assets are automatically, definitely, and permanently deleted and overwritten within our server logs exactly ninety (90) calendar days from the date of initial generation, unless you manually execute a command to purge your chat history panel earlier via your user dashboard interface. ##### 4. Changes to this Privacy Policy and Effective Date (a) **Effective Version and Current Status:** This Privacy Policy is effective, active, and legally binding upon users as of the "Effective Date" indicated at the top of this document. Any interactions, system data processing, session caching, or transactional histories executed on the Service are governed strictly by the specific version of the Privacy Policy active on the precise calendar date of such interaction. (b) **Right to Modify and Amend:** The Company reserves the absolute unilateral right to update, amend, modify, adjust, or completely replace any part, provision, or clause of this Privacy Policy, including changing the categories of processed metrics or the data management protocols regarding Subscription Plans and IQBID Tokens balance, at any time to reflect cloud infrastructure changes, security upgrades, or global regulatory updates. (c) **User Responsibility to Monitor Updates:** The Company will indicate policy updates exclusively by updating the "Effective Date" stamp at the top of this page. The Company is not obligated to dispatch individual email notifications or dashboard alerts regarding modifications. It is your sole personal responsibility to check this page periodically to maintain active awareness of the current data protection framework. Your continued access to or use of the Service following the publication of any modifications constitutes your immediate, absolute, and irrevocable acceptance of the updated Privacy Policy. If you do not agree to the updated policy, your sole remedy is to cease utilizing the Service immediately. ##### 5. Contact information and corporate details For any administrative inquiries, data protection questions, requests to access or purge personal logs, or privacy notifications, please contact our data operations team via electronic mail at: . Please ensure that your formal notifications explicitly contain your registered user account details to enable prompt verification. - **Corporate Processing Entity:** IQBID Helios Limited - **Company Number:** 252002 - **Registered Office Address:** Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles # Cookie policy **Effective Date:** September 8, 2026 IQBID Helios Limited (registration number **252002**, registered at **Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles**) issues this Cookie Policy for users outside the US and EU/EEA (RoW region). ##### 1. What are cookies and tracking technologies? Cookies are small data text files stored on your device that recognize your hardware, secure active sessions, and analyze server telemetry. ##### 2. Categories of cookies we deploy (a) **Strictly Necessary and Session Cookies and Token Demarcation:** Vital for platform navigation, encrypted login, verifying active workspace access, and monitoring Subscription Plan parameters. This category strictly includes cookies required to accurately display usage-based computational credits (the "IQBID Tokens") on your profile interface. In alignment with our global frameworks, IQBID Tokens represent exclusively internal, proprietary, non-crypto technical software metrics used solely to measure AI data throughput and API execution costs. They possess absolutely zero cash value, do not constitute virtual currencies, stablecoins, digital securities, or asset-backed digital utilities, and remain completely non-transferable and non-redeemable for fiat currency or any other real-world financial assets. Disabling these cookies breaks core platform authentication frameworks. (b) **Performance, Telemetry, and Analytics Cookies:** Collect aggregated technical data on response latencies and traffic to optimize backend routing. ##### 3. Data sharing protocol and interaction with AI models Cookies do not capture raw text prompts or User Content; backend API payloads handle data per the Global Privacy Policy. Third-party cookies from sub-processors (like OpenAI or Google) only monitor network stability. ##### 4. The mandatory consent framework (how to control cookies) Users retain control over cookie preferences via browser settings, though disabling them may limit platform functionality. ##### 5. Policy amendments and version tracking The policy is effective as of the stated date. The company reserves the right to amend the terms, with updates indicated by a revised effective date. ##### 6. Contact and corporate details For inquiries, contact . **Company Name:** IQBID Helios Limited **Сompany number**: 252002 **Registered office:** Suite 9, Ansuya Estate, Royal Street, Victoria, Mahe, Seychelles